Mark Your Calendar for the Virtual Annual Meeting
Mark Your Calendar for the Virtual Annual Meeting on Tuesday, April 22, 2025 at 2:00 pm
Read Article
Skip to Main Content
Checking account
You’ve got financial goals. We’ve got the checking account to support them. Keep reading to see which checking account is right for you.
Best for
Making small balances earn big returns and heavy monthly use.
Features
This is a reverse tier account, which means you’ll earn bigger returns on smaller balances, and smaller returns on bigger balances.
Earn up to 6.00% APY* on your first $2000 each month. That’s up to $120 a year. Then your next chunk of cash will make you 3.00% APY* and so on. See all APY rate tiers.
No minimum balance requirement
No monthly maintenance fee
Earn Debit card rewards: 1 point for every $3 spent when you sign for purchases
Early paycheck
Courtesy Pay up to $500***
Even if you don't meet all the monthly requirements (they're listed below) to get up to 6.00% APY, you're guaranteed to earn .01% interest.
What’s the catch?
Make at least 16 debit/credit transactions every month to get the best APY
Set up a minimum of one $500 recurring direct deposit or ACH payments per month to get the best APY
Enroll in e-statements
Best for
Ultra-easy checking without monthly maintenance fees or restrictions.
Features
No minimum balance required
No monthly maintenance fee
No monthly minimum debit/credit card transactions per month
No monthly minimum direct deposit
Earn Debit card rewards: 1 point for every $3 spent when you sign for purchases
Early paycheck
Courtesy Pay up to $200
What’s the catch?
You don’t earn interest on your balance
Best for
Members with high balances who want to earn interest.
Features
Earn from 0.00% – 0.15% APY*
No monthly minimum direct deposit requirement
Earn Debit card rewards: 1 point for every $3 spent when you sign for purchases
Get your direct deposit pay up to two days early
Courtesy pay up to $750
What’s the catch?
Monthly maintenance fee of $10
There’s a minimum balance requirement of $2,500
If your average daily balance drops below $2,500, you’ll be charged a $10 fee
Nobody else does debit cards quite like Westerra. From Courtesy Pay to our network of over 30,000 free ATMs nationwide, check out all of the sweet perks and benefits you’ll get.
Earn 1 point for every $3 you spend when you sign for purchases. When you’re ready to cash in your rewards, you can get cash back, gift cards, travel, experiences, merchandise, and charitable donations. With so many great choices, it might be hard to pick. (But that’s where the beauty of earning more points comes in.)
Understanding money management is a big step in becoming independent. Our student
accounts and financial resources are here to help students start their financial journey.Mark Your Calendar for the Virtual Annual Meeting on Tuesday, April 22, 2025 at 2:00 pm
Read Article
Demonstrating its financial strength and stability, Westerra Credit Union (Westerra) announced it has been named to Newsweek’s list of America’s Best Regional Banks and Credit Unions for the second year in a row.
Read Article
Westerra Credit Union Announces Change in Leadership
Read Article
*APY= Annual percentage yield, ATM and cash advance transactions do not count toward the debit card transaction requirement. Points not earned for cash back, ATMs or PIN based transactions.